PayPal has been hyping this feature for a while now: the user takes photos of the front and back of any check written out to them, and the money is automatically deposited. There's no need to make a trip to a local branch of your bank.

Chase offers a similar feature in its app. We'd love to see this become universal: it's obviously a huge convenience.

It also makes us wonder: why would we ever want to go into a branch again?